Settlers

BRUCE CROSSING, MI · 1 · Charter #24793 · www.settlersfcu.com
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$36.1M
85th percentile
Members
3,945
94th percentile
Total loans
$18.9M
87th percentile
Total shares
$28.9M
82th percentile

Profitability

Return on assets
2.19%
93th percentile
Net interest margin
4.92%
81th percentile
Efficiency ratio
56.68%
72th percentile
Non-interest income ratio
13.72%
65th percentile

Capital & Risk

Net worth ratio
19.47%
72th percentile
Delinquency rate
0.41%
61th percentile
Net charge-off rate
0.05%
67th percentile
Loan-to-share
65.46%
57th percentile

Growth

Member growth YoY
2.10%
84th percentile
Asset growth YoY
2.47%
59th percentile
Loan growth YoY
6.24%
82th percentile
Share growth YoY
0.38%
49th percentile

Operations

Members / branch
1,973
77th percentile
Assets / member
$9,146
49th percentile
Field of membership penetration
19.73%
32th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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